Job at a glance
Benefits Overview A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. In order to be the best, we hire the best! Remarkable Benefits Offered by CoBank Careers with a purpose Time-Off Packages, 15 days of vacation, 10 paid sick days and 11 paid holidays Competitive Compensation & Incentive Hybrid work model: flexible arrangements for most positions Benefits Packages, including Medical, Dental and Vision coverage, Disability, AD&D, and Life Insurance Robust associate training and development with CoBank University Tuition reimbursement for higher education Outstanding 401k: up to 6% matching and additional 3% non-elective contribution & Student Loan Match Community Impact: United Way Angel Day, Volunteer Day and Associate Directed Contribution Associate Resource Groups: creating a culture of respect and inclusion Recognize a fellow associate through our GEM awards Job Description Analyzes the current, historical, and projected financial condition and repayment capacity of the largest and most complex clients.
Prepares clear, substantive, credit reports for loan committee in conformity with bank policies and procedures. Consults with other leasing staff and other origination channel contacts on appropriate loan structures. Takes a leadership role in managing the origination process from application through final approval, closing, booking, and servicing. Approves or co-sponsors credits within prescribed credit limits.
Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers. Essential Functions Reviews audits, interim statements, projections, and other pertinent financial information to provide analysis of financial trends. Acquires information from published industry reports, trade groups, journals, and other external sources to supplement and enhance the analysis of information provided by the borrower.
Identifies strengths and weaknesses of the borrower and evaluates specific risks to the bank. Prepares projection models to test loan-structuring alternatives. Evaluates validity of the borrower’s business plan based on an assessment of the industry outlook, competition, technology, management, and capital structure. Provides estimates of company and/or collateral value. Prepares and oversees the preparation of credit analyses and credit investigations to ensure the application of a relevant and thorough approach.
Provides direction and guidance to credit analysts and officers on all credit activities. Offers opinions concerning credit-worthiness. Oversees the credit approval process. Understands and follows bank guidelines, policies, and procedures for the preparation and presentation of credit information. Assists with negotiations concerning the packaging of credit arrangements. Consults with lending or leasing staff and provides coaching on negotiation strategy, financing approaches, or other specific credit issues.
Takes a lead role in managing credit administration, account servicing, development, loan structuring, packaging, loan closing, documentation, and monitoring. Monitors credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants. Notifies lending, leasing, and/or credit staff of emerging issues as appropriate. Assists with internal research and analysis, provides statistical reports, and verifies information.
Prepares and delivers presentations on topics as assigned. Identifies areas for improvement in templates, spreadsheets, programs, systems, and procedures used in credit origination process. Proposes possible solutions to problems. Develops and utilizes computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations. Education Bachelor's Degree required Work Experience 8 years of credit experience in banking industry.
required Physical Exertion De